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    Jacky Zuo

    Research Analyst at China Renaissance

    Jacky Zuo is an Analyst at China Renaissance specializing in the financials sector, with a focus on the credit services industry. He has covered specific companies including LexinFintech Holdings and has participated in earnings calls for firms such as 360 Finance Inc. and FinVolution Group. Zuo has a reported track record of a 50% success rate from his investment ratings with an average return of -7.55% and ranks 3,478 out of 4,781 analysts according to available performance data. Details on his career prior to joining China Renaissance and professional credentials such as FINRA registration or securities licenses are not publicly disclosed, and there are no notable industry awards or recognition listed in public sources.

    Jacky Zuo's questions to Qudian (QD) leadership

    Jacky Zuo's questions to Qudian (QD) leadership • Q1 2021

    Question

    Jacky Zuo of China Renaissance inquired about the credit business's loan balance outlook for the year and potential regulatory pressures on its lending model. He also asked for details on the unit economics and the planned investment scale for the new Wanlimu Kids education business.

    Answer

    Sissi Zhu, VP of Investor Relations, explained that while risk metrics are improving, the regulatory environment is tightening, leading to a prudent strategy and an expected decrease in the loan balance in Q2. She confirmed the company has already shifted to a licensed model, mitigating regulatory risk. Regarding Wanlimu Kids, Ms. Zhu stated that specific guidance is not provided, but unit economics are expected to be superior to traditional offline education and catering businesses due to lower acquisition costs. A significant nationwide expansion is planned for the year, with over 80 centers currently in design or renovation.

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